Debt Payoff Coach — Your Debt-Free Date, Plan & Pocket Guidance

How to use

1. Add your debts — name, balance, APR, minimum payment and due day; or load the demo data to explore first.
2. Pick a strategy & extra payment — watch your debt-free date move and total interest drop in real time.
3. Work the coach — follow the guidance answers, log payments, hit milestones, and share wins via WhatsApp.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

This is the coaching core of a full debt-payoff app, running entirely in your browser: add debts (balance, APR, minimum payment, due day), log payments, and the coach computes your debt-free date under three strategies — Snowball (smallest first, fastest motivation), Avalanche (highest APR first, least interest) and a Hybrid — with an extra-payment slider showing exactly how many months and how much interest each choice saves. The built-in guidance panel answers the real questions with your actual numbers: which debt to attack, what interest is burning daily, word-for-word rate-negotiation scripts, income-boost and spending-cut playbooks, credit-score quick wins, tax notes and emergency steps. Share progress or payment reminders to WhatsApp (or any messenger) with one tap. Data lives in your browser's local storage — there is no account and nothing is uploaded.

FAQ

Rate this tool

Your rating stays in this browser (local storage) — nothing is sent to any server.